ok, spoke to Barclaycard - they recorded the call, and so did i (aren't smart phone's ace!) Position is this They will accept a payment of £2100 and close the account. the current balance is £2380 If they do this it will be closed and finished, but will show as partially settled on my credit file. As it is already in default is this going to really cause me that much of a problem??? Alternatively i can pay them £2100 as a substantial payment against the account and then pay the balance over a longer period. It is vaguely possible that i will pay them £2100 and then my partner will transfer the remaining balance to an interest free credit card, which will enable me to clear it that way. What would you recommend?? I am just trying to close the account. I might go the charges route later. advice much appreciated

SAR not sent yet. Calling them now to find out balance, and make the offer ....

Hi again guys, got an update, and need advice. I last paid BC in June this year, and it was minimum payment. Credit limit was 2000 balance after that payment 2098 I am now in a position to make them a payment, and i am hoping to be able to make a payment of 2100-2200 and have that accepted in full. I plan to call BC direct and not go through mercers. What do you think the chances of them accepting this in full being????

well i got the account initially in about 2000 when i was doing a summer job at uni and it started as Morgan Stanley, then became Goldfish and then BC There probably are some old charges on there, but i would need to retrieve all the statements to be able to do so. I contacted barclaycard today by email to ask them to call me, before sending post. will update as things move along

cheers thats a start what do you think would be the best way to let them know? and i assume i should let BC know, and address things to them rather than/as well as(?) mercers??

what i shoudl also add, is that obviously there will also be charges on the card, and in order to reclaim do the CCA route i will at some point need to give the correct address, but i just want to work out how to do this without escalating things immediately. Any help will be massively appreciated, i need to start sorting this out.

Hi guys, been lurking and reading these forums the last couple of months as i have had a mercers problem. I contact BC about 4 months ago to say i was going to have problems making payment and could we make an arrangement to help me out for a few months, they said.... nothing helpful at all. Got to the point when i couldn't make the minimum. Haven't paid since. Had 1 month of BC apparently chasing themselves, then have had 2 months of Mercers chasing me daily, several times each day. About 3 days ago i got a text saying they would consider legal action, if i didn't call them. I haven't called them. Now... Here is the issue. I got made redundant last year, and had to move to find work. All my BC statements etc. were on email, and i forgot to change my address with them. So they only have my old one, and given i haven't received anything in wiritng at all, they haven't bothered to find my new one. Questions are: Should i contact BC or someone to give change of address?? When and how should i do so? How do i do it without having a "large gentleman" on my doorstep the following morning? How much do i need to worry about their threat of legal action? the debt is C.£2000 thanks guys